A solvency tool analyzes a company's financial health and anticipates payment default risks. Discover how RocketFin combines explainable artificial intelligence and GDPR compliance to help you make informed decisions.
In an uncertain economic context, assessing the solvency of your business clients is no longer an option, but a necessity. Whether you're an SME offering payment terms, a fintech financing businesses, or an insurer covering credit risk, you must be able to anticipate the financial difficulties of your commercial partners.
A solvency tool allows you to answer essential questions before engaging in a business relationship:
Identify weak signals indicating a deterioration in your client's financial situation before it's too late.
Avoid payment defaults that can jeopardize your own financial balance, especially for SMEs and micro-enterprises.
Get an objective, instant assessment to validate or refuse a credit request or payment terms.
Have written, objective evidence to justify your decisions to your management, auditors, or regulators.
A solvency tool aggregates and analyzes financial, legal, and behavioral data to produce a credit risk assessment of a company. This analysis typically relies on several sources:
Balance sheets, income statements, liquidity ratios, debt levels, self-financing capacity.
Legal form, directors, shareholders, collective procedures, privilege or lien registrations.
Payment history, banking incidents, recurring delays, customer or supplier disputes.
Industry health, market trends, exposure to geopolitical or regulatory risks.
From this data, the tool calculates a solvency score that summarizes the level of risk associated with the company. This score can be complemented by a recommendation: accept, monitor, or refuse a transaction.
Traditional credit bureaus and existing rating tools have several drawbacks:
Scores are often calculated by "black boxes": you get a number, but you don't know why or how it was obtained. Impossible to explain a decision to a client or regulator.
Public financial information is often several months, even a year old. In times of economic uncertainty, this latency can be fatal.
Traditional statistical models were designed for large companies. Result: SMEs are often underrated or poorly evaluated, limiting their access to credit.
Legacy solutions are sold at prohibitive prices for many businesses, especially SMEs who need protection the most.
Some international players don't fully comply with GDPR, particularly regarding the right to explanation of automated decisions. A significant legal risk.
RocketFin was designed to address the limitations of traditional tools. Our platform combines advanced artificial intelligence, complete transparency, and strict GDPR compliance.
Each score comes with a detailed explanation: you know which factors weighed in the assessment and why. You can defend your decisions with complete transparency.
Data hosted in Europe, right to be forgotten, explicit consent, data portability: RocketFin is GDPR compliant by design.
Get an updated assessment in seconds. Our AI agents analyze available data to provide you with an up-to-date risk view.
Our models are specially trained to evaluate small and medium-sized businesses, with particular attention to sector-specific characteristics.
Integrate RocketFin with your tools (CRM, ERP, payment platform) via our API to automate your credit decisions effortlessly.
All your assessments are archived and timestamped. In case of audit or dispute, you have complete, compliant documentation.
RocketFin is for all businesses that need to assess the solvency of their business clients:
Our goal: democratize access to high-performance, transparent, and compliant solvency tools, so all businesses can effectively protect themselves against payment default risk.
Join businesses automating their credit decisions with explainable, GDPR-compliant AI. Sign up now for priority access to our beta program.
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